FAQs Insurances and claims

Log in to Oma Fennia. On the home page, select Ilmoitukset (Reports) > Uusi ilmoitus (New report). Select the appropriate claim class and claim type from the list and complete the report. If you have any invoices or expenses related to the loss, you can send them with the same report.

We recommend that you send all additional information in the Oma Fennia online service as a message attachment. Log in to Oma Fennia. On the home page, select Viestit (Messages) > Uusi viesti (New message) > Vahingot ja korvaukset (Losses and compensation). Please provide the loss processing code in the message.

Our official service languages are Finnish and Swedish. You may be able to use our services without an interpreter if you and a Fennia customer service representative have a common language, such as English. If you are unable to handle your claim in Finnish or Swedish, and there is no other common language between you and Fennia customer service representative, you can authorise a Finnish- or Swedish-speaking adult to handle the claim on your behalf.

You can also use a professional interpreter. In some cases, the use of a professional interpreter is required. You are responsible for the costs of interpreting.

You can authorise another person to handle your claims on your behalf by sending a personalised power of attorney to Fennia in the Oma Fennia online service. For example, your friends, relatives, or spouse cannot handle your claims on your behalf without a power of attorney.

The claims of a minor under the age of 12 can be handled by their guardians, who are registered with the Digital and Population Data Services Agency. If the claimant is a person between the ages 13 and 17, they can represent themself in certain matters or they can give their guardian their consent to handling their claim.

If you want to authorise someone else to handle matters related to your claim, please fill in the power of attorney in Oma Fennia. On the home page, select Ilmoitukset (Reports) > Uusi ilmoitus (New report) > Muut ilmoitukset (Other reports) > Valtakirja (Power of attorney) > Siirry ilmoitukseen (Go to your report).

We make compensation decisions on the basis of the documents provided. These include a loss report, vehicle inspection information, and any other reports. As a claimant, it is your responsibility to prove that the loss in question is compensable. You should provide us with such information as is necessary to establish liability for damages.

If you are dissatisfied with the compensation decision issued, you can file an appeal with FINE's insurance and financial advice or the Consumer Disputes Board. Appeals are free of charge.

The comprehensive motor vehicle insurance does not cover repair costs caused by a technical malfunction. If your vehicle malfunctioned during your travel due to a defect or damage in the vehicle, the roadside assistance coverage will cover the cost of towing your vehicle to the nearest repair shop, as well as any additional travel expenses incurred on the driver and passengers in accordance with the policy terms and conditions.

The motor liability insurance of the driver at fault covers the temporary decommissioning of the other party’s vehicle for the days when the vehicle of the party not at fault is in a repair shop for repairs. The party not at fault also has the opportunity to apply for a replacement car if the use of a vehicle is necessary for work.

Submit a report on the need for a replacement car in the Oma Fennia online service. If the prerequisites for granting a replacement car are met, the motor liability insurance of the party at fault will reimburse 94% of the rental costs of the replacement car.

You can find more detailed information on compensation for temporary decommissioning of a vehicle and the criteria for granting a replacement car on the Traffic Accident and Patient Injury Board website.

Statutory motor liability insurance covers personal injuries caused by the use of the vehicle in traffic, as well as property damage of the party not at fault. Motor liability insurance does not cover damage to your own vehicle or property in the vehicle. In addition, motor liability insurance does not cover the property owned or controlled by the owner, holder or driver of this vehicle.

You can insure your own vehicle with separate comprehensive insurance. The comprehensive insurance covers damage to the vehicle according to the extent of cover you have chosen.

Seek treatment as soon as possible. Contact FenniaHoitaja via chat or phone. FenniaHoitaja is available every day from 7 am to 10 pm at 010 503 5000. In case of emergency, you can seek treatment at any health care facility. When seeking treatment, please provide the information about the traffic accident.

Make sure the driver, owner or policyholder of the vehicle has reported the damage to their insurance company. You can also file a claim yourself with the motor liability insurance company of the party at fault or the insurance company in which you have a policy for your own vehicle.

If you were at work or on a business trip at the time of the accident, submit an accident report together with your employer to the employer's accident insurance company, which primarily handles the damage. Motor liability insurance covers those expenses related to the loss that are not covered by statutory accident insurance.

If you have paid costs incurred by the loss yourself, you can apply for compensation through the Oma Fennia online service.

You can find the claim processing code in the compensation decision sent to you. You can report additional expenses concerning a previous loss in Oma Fennia even if you do not have a processing code. If that is the case, select “Minulla ei ole vahingon käsittelytunnusta” (I do not have a claim processing code) when asked to provide the processing code.

Claim processing codes and loss reports filed by FenniaHoitaja are not displayed in Oma Fennia. If you want to report expenses on a loss report filled in by FenniaHoitaja, log in to Oma Fennia. On the home page, select Ilmoitukset (Reports) > Uusi ilmoitus (New Report) > Henkilövahingot (Personal Injuries) > Jatkokulu henkilövahinkoilmoitukseen (Additional expenses to a personal injury claim).

The decisions on paid compensation will be displayed in the insured person's Oma Fennia and they will also be sent to them by post. You can find the compensation decisions in Oma Fennia in the Laskut ja asiakirjat (Invoices and documents) tab.

Please note that a child's compensation decisions are not displayed when the guardian or policyholder has logged in with their credentials, but are displayed in the insured person’s Oma Fennia. The decisions will also be sent to them by post.

Seek treatment as soon as possible. Contact FenniaHoitaja via chat or phone. FenniaHoitaja is available every day from 7 am to 10 pm at 010 503 5000. In case of emergency, you can seek treatment at any health care facility. When seeking treatment, please provide the information about the traffic accident.

Make sure the driver, owner or policyholder of the vehicle has reported the damage to their insurance company. You can also file a claim yourself with the motor liability insurance company of the party at fault or the insurance company in which you have a policy for your own vehicle.

If you were at work or on a business trip at the time of the accident, submit an accident report together with your employer to the employer's accident insurance company, which primarily handles the damage. Motor liability insurance covers those expenses related to the loss that are not covered by statutory accident insurance.

If you have paid costs incurred by the loss yourself, you can apply for compensation through the Oma Fennia online service.